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Health Insurance for a Residence Permit or Visa
We arrange an annual health insurance policy for non-residents that works for a visa or residence permit application. Before issuing it, we check the coverage against the requirements of the specific authority.
Health insurance for a residence permit or visa is part of almost every application in Europe. The consulate or migration office looks not just at whether you have a policy, but at the details: validity period, territory, coverage amount, any deductible and the insurer's country. If even one point does not match, the documents come back. For a Schengen visa, for example, coverage must be at least €30,000 and valid in every Schengen country.
We arrange an annual policy for non-residents with a European insurer and, before you pay, check that it fits your application. If the authority asks for a policy with special terms, such as no deductible or a local insurer, we tell you right away and point you to where you can get one.
Arranged remotely: a passport scan and dates are enough, and the policy arrives electronically.
Who it is for
- People applying for a long-stay visa or residence permit in Latvia or another EU country
- Frequent Schengen travelers who want one policy for the year instead of single-trip cover
- People renewing a residence permit who must prove insurance for the next period
- Families who need a policy for each family member by the same filing date
Requirements
- A valid passport
- Your travel dates or the period the policy must cover
- The authority's insurance requirements: coverage amount, territory, deductible
- For a Schengen visa: coverage of at least €30,000 across the whole Schengen Area
- Some residence programs require a full-coverage policy from an insurer in the country of residence
What we do
- Review the consulate's or migration office's insurance requirements
- Select a policy with the right territory, amount and term
- Issue an annual policy for a non-resident
- Make sure the details on the policy match your passport
- Send you the policy electronically and tell you whether a paper copy is needed
- Remind you about renewal if the policy is needed for next year's residence permit
Key documents
- Scan of your passport photo page
- Start and end dates for the insurance
- The authority's list of insurance requirements, if there is one
- Details of family members if we are insuring several people
How it works
- Requirementswe confirm which visa or residence permit the policy is for and what the authority requires
- Selectionwe offer a suitable policy and explain the coverage terms
- Issuingwe issue the policy for the required period using your passport details
- Checkwe compare the policy with the requirements before you file
- Renewalif needed, we issue a new policy for the next period
Timeline
Timing depends on the authority's requirements; the policy itself is sent electronically.
Timelines are approximate: government agencies, consulates and banks set them.
What to watch out for
- For a residence permit in some countries, Spain for example, a regular travel policy is not accepted: you need full coverage from a local insurer
- A policy with a deductible or exclusions may not meet the authority's requirements
- A typo in your name or passport number makes the policy unusable for filing
FAQ
How much does it cost?
Our service fee is from $60. Government fees, translations, insurance and other mandatory costs are paid separately; we send the full estimate before you sign.
What health insurance do I need for a residence permit?
Health insurance for a residence permit depends on the country. Usually you need a policy for the full term of the permit, or at least a year, covering the country where you will live. Some countries accept only local insurers and policies without a deductible. We check the requirements before issuing anything.
Will this policy work for a Schengen visa?
Yes, if it covers the entire Schengen Area, the coverage is at least €30,000 and the validity covers all your travel dates. An annual policy is convenient if you have a multiple-entry visa and travel often.
Is the policy suitable for a Spanish residence permit?
As a rule, no. A Spanish residence permit requires full coverage from a company operating in Spain, with no deductibles or waiting periods. We have a separate service for health insurance for Spanish residence.
Can I get the insurance remotely?
Yes. We need a passport scan and the dates. The policy arrives electronically, and for most applications that is enough. If the consulate asks for a stamped original, we tell you how to get one.
Can I insure my whole family?
Yes. Each family member gets a separate policy, but we issue them all at once with the same dates. That makes them easier to add to a joint application file.
Do you guarantee the result?
No. Decisions are made by government agencies, consulates and banks. We are responsible for preparing and checking documents, filing and support, and we tell you about the risks upfront.
Related programs
Let’s discuss your case
We will check whether the program fits your citizenship, income and family, and send an estimate with the full list of costs.
